If you are looking to buy a Maruti Swift Dzire, it is essential to protect your car with the right insurance policy. Car insurance is a mandatory requirement as per the Indian Motor Vehicles Act. Choosing the right insurance policy can provide you with financial protection in case of unforeseen events.
In this article, we will discuss everything about Maruti Suzuki Swift Dzire insurance. This includes its variants, premium price, claim process, and tips to reduce premiums.
Maruti Swift Dzire Insurance
Maruti Swift Dzire insurance is divided into three types: third-party, comprehensive, and standalone own damage.
- Third-party insurance: It covers any liability for injuries or damages to the third-party involved in the accident. The insurance premium ranges between Rs. 2,000 to Rs. 7,000 per year.
- Comprehensive insurance: It provides coverage for both third-party liability and own damage. The insurance premium for Maruti Swift Dzire ranges between INR 4,500 to INR 15,000 per year.
- Standalone own damage insurance: It covers any damage to the car irrespective of the third party's involvement. The insurance premium for own damage insurance varies between Rs. 2,000 to Rs. 10,000 per year.
How to calculate Maruti Swift Dzire insurance premium
The calculation for insurance premiums depends on factors like location, driving history, and coverage type.
You can use online insurance calculators provided by various insurance companies to get an accurate estimate based on your specific details. These calculators take into account the make and model of your car, the variant, your location, and your preferred coverage. It is a quick and convenient way to find out how much you will need to budget for your Swift Dzire insurance.
How to buy insurance for Maruti Suzuki Swift Dzire through Bajaj Finance
If you are considering purchasing insurance for your Maruti Swift Dzire, there are various online platforms available, and one of these is Bajaj Finance. Here are the easy steps to buy insurance for your car on the Bajaj Finance Insurance Mall:
- Research and compare: You can choose from car insurance plans offered by leading insurance partners. Start by researching different insurance plans available that cater to your specific needs. Compare these plans to find the one that suits you best.
- Online application: Once you select the policy, you need to fill out an online application form. You need to provide the necessary information about your vehicle and personal details.
- Choose coverage: Select the coverage that matches your requirements. This includes options like third-party insurance, comprehensive insurance, or additional add-ons.
- Documentation: Upload the necessary documents, which may include your vehicle's registration certificate and your driving licence.
- Premium payment: Pay the insurance premium using the secure online payment options.
- Policy issuance: After completing the payment, Bajaj Finance will issue your insurance policy.
Easy steps to renew your Swift Dzire car insurance
Most insurance companies send timely reminders for policy renewal. You can easily renew your car insurance policy online through an easy process.
Assess your requirements: Before renewing, evaluate your insurance needs. Consider any changes in your driving habits, location, or requirements for your Swift Dzire.
Contact your provider: Get in touch with your insurance provider to initiate the renewal process. You can do this online or by visiting a local branch.
Documentation: Ensure you have all the necessary documents, including your expiring insurance policy, vehicle registration, and personal identification.
Review and update: Review your existing policy and make any necessary updates or modifications. This might involve changing your coverage type or adding new add-ons to enhance your protection.
Premium payment: Pay the renewal premium, which may differ from the previous year based on any changes you make to your policy.
Receive confirmation: After completing the payment, your insurer will provide you with a renewed policy, which you should keep as proof of your insurance coverage.
Making an insurance claim for your Swift Dzire
Making an insurance claim for your Maruti Swift Dzire is a simple process. Here are the steps to make an insurance claim for your car:
Step 1: Contact the insurance company and raise your claim.
Step 2: Provide all the necessary details related to the accident, including the date, time, location, etc.
Step 3: Submit the required documents, including the claim form, FIR, driving licence, policy document, etc.
Step 4: Get the car inspected by the insurance company's representative.
Step 5: Wait for the insurance company to process your claim.
Tips to reduce Swift Dzire insurance premiums
Here are some of the useful tips to reduce your Maruti Swift Dzire insurance premium:
Installation of safety devices: Installing safety devices such as anti-theft devices, airbags, etc., can significantly reduce your insurance premium.
Choose higher deductibles: Opting for a higher deductible can lower your premium.
Maintain a good credit score: A higher credit score can result in more affordable insurance rates.
No-claim bonus: Keep a no-claim record to earn no-claim bonuses, which can significantly reduce your premiums over time.
Add-ons for Maruti Dzire car insurance
In addition to the primary coverage, you can enhance your Swift Dzire insurance with add-ons that provide extra protection and benefits. These add-ons, often known as riders or endorsements, are tailor-made to meet your specific requirements. Here are some common add-ons:
- Zero depreciation cover: This add-on ensures that you receive the full claim amount without factoring in depreciation on car parts during repairs.
- Engine protection: It covers damage to the engine, a crucial and often expensive component of your Swift Dzire.
- Roadside assistance: Get timely assistance in case of a breakdown or other roadside emergencies.
- Personal accident cover: A personal accident insurance add-on provides coverage for injuries to the owner/driver in case of an accident.
- Key replacement: If you lose your car keys or they get stolen, this add-on will cover the cost of replacement. You can also opt for a pocket-friendly Key Safeguard cover.
With the availability of add-ons and various ways to reduce your insurance premiums, you can ensure that your Swift Dzire remains safe and sound while keeping your financial burden manageable.
